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Retirement pension from NAV

Translated: translated from the Norwegian original with the help of a language model, and may contain errors. The Norwegian version is the authoritative one. See the Norwegian original →

All years with income count towards your pension. How accrual and life expectancy adjustment work, and how to apply.

Norwegian original last checked against official sources: 26 October 2026. Rules and figures change, so always check the official site before you act.

Retirement pension from the National Insurance Scheme is one of several sources of income as a pensioner, along with any occupational pension from your employer and your own savings.

Accrual

Your pensionable income each year builds up a pension pot. You accrue pension from the first krone, and all years with income count. Initial military service of at least 6 months (2010 or later) can also give accrual.

Life expectancy adjustment

Your accrued pension is divided by the expected life expectancy for your birth cohort. This is called life expectancy adjustment, and means that cohorts with higher expected life expectancy must work somewhat longer than earlier cohorts to achieve the same annual pension. The longer you wait to draw your pension, the higher the monthly payment becomes.

When can you start drawing your pension?

According to NAV, you can draw retirement pension from age 62 if you have accrued enough pension. The pension must then be at least as high as the minimum pension (guarantee pension). If you have not accrued enough, you can draw it from the month after you turn 67. The pension calculator at nav.no shows whether you can start early.

  • Full or partial pension: you can draw 20, 40, 50, 60, 80 or 100 percent. You can switch to 100 percent or stop drawing at any time. If you have changed to a partial pension, you must wait 12 months before you can change again.
  • Working at the same time: you can work as much as you like without your pension being reduced. As long as you work, you accrue more pension, up to and including the year you turn 75.
  • Remember to switch to 100 percent yourself if you want the full pension, also when you turn 67. It does not happen automatically. You change it in Din pensjon at nav.no.

How to apply

Apply for retirement pension around three months before you want payments to start. The easiest way is digitally via Din pensjon (My Pension) at nav.no, where you usually get an answer within a few minutes. It is also possible to apply on a paper form, but that takes longer to process.

The rules differ depending on when you were born

Which rules apply to your retirement pension depends on your birth year. According to NAV:

  • Born before 1954: old rules, with basic pension and supplementary pension.
  • Born 1954 to 1962: a mix of old and new rules. The younger you are, the more is calculated under the new rules. If you were born in 1954, 9/10 is calculated under the old rules and 1/10 under the new.
  • Born in 1963 or later: new rules. Each year, 18.1 percent of your pensionable income, up to 7.1 times the basic amount (G), is added to your pension pot.

The transitional rules have more details than this. In Din pensjon at nav.no you can see what you have accrued.

Tip: Use the pension calculator at nav.no to see how the timing of drawing your pension affects your monthly payment. It can make it easier to plan when you want to start drawing it.

NAV. Retirement pension (Norwegian) →

Sources

Kontaktpunkt24 gives general information, not legal advice. If you need help with your own case, contact a lawyer, a legal aid service, or the relevant authority.

This page is translated from Norwegian with the help of a language model, and may contain errors. The Norwegian version is always the authoritative one.